從金融科技的創新應用探討保險從業人員的挑戰與轉型

106年12月國內本土壽險公司南山人壽宣布，表示隨著時代的潮流、科技發展，多元繳費等方式日漸普及，自107年3月1日起讓收費員收費制度走入歷史，130名收費員面臨退休或轉型選擇。另外商AIA友邦人壽結束裁撤經營7年的自有業務員通路，與所有業務人員的承攬契約關係將在107年1月31日終止，並協助業務員轉任其他保經代公司。107年2月鴻海集團總裁郭台銘表示，鴻海集團發展AI人工智慧拚找人才，發展研究經費無上限。當AI人工智慧、互聯網、金融科技等大力發展時，人們去銀行辦事，銀行從地點的名詞轉變為一種行為的動詞時，銀行在哪裡？答案是：銀行就在我們的手機裡。當金融科技能力取代了大部份傳統銀行、保險等金融從業人員的服務時，銀行櫃檯的人員變得越來越少，銀行的分行家數也越來越少了，當保險諮詢、理賠服務申請、保單變更等服務的都逐漸透過網路來做線上申請時，為數眾多龐大的金融從業人員真的只能被動的等待、被取代消失嗎？金融科技並不可怕，金融科技的本質還是要回歸到人性。認識金融科技、了解金融科技、運用金融科技的高價值效能來提升保險從業人員的專業能力和服務客戶價值，才是解決這個擔憂的最好方法。低附加價值的服務和重複性的簡單工作，未來一定會被金融科技所取代；這是現在與未來金融科技發展的趨勢潮流，保險從業人員無法改變。能改變的是，讓有更充裕的時間和精神專注在高附加價值、貼近人性、提供溫暖，和感情連結的服務上。保險從業人員所要做的就是認清觀念，認清現在及未來金融科技發展的趨勢走向，主動積極的擁抱改變，主動學習來提昇能力，擁有駕馭未來各種金融科技商品與技術的使用能力。本篇論文研究提供保險從業人員在面對金融科技發展所帶來的挑戰時，可以來學習與改變的作法與建議，讓危機反而是成功轉型的契機動力。

關鍵字

金融科技；破壞式創新；保險業；保險價值鏈裂解

並列摘要

In December of 2017, Nanshan Life Insurance, a domestic life insurance company, announced that it has become increasingly popular with the trend of the times, technological development, multiple payment methods, etc. Since March 1, 2018, the toll collector charging system has entered the history of 130 toll collectors. Faced with retirement or transition options.In addition, AIA will end the abolition of its own business salesman’s channel for seven years, and its contractual relationship with all business personnel will be terminated on January 31, 107, and assist the salesman to transfer to other securities companies. In February 107, Hon Hai Group's president, Terry Gou, stated that the Hon Hai Group developed AI artificial intelligence to fight for talent and there was no limit to the development of R&D funding..... When AI artificial intelligence, Internet, financial technology, etc. are vigorously developed, when they go to a bank to do business and the bank's noun from a location changes to a behavioral verb, where is the bank? The answer is: The bank is In our cell phone. When financial science and technology capabilities replaced the services of most traditional financial services such as banks and insurance, the number of bank counters has become less and fewer, and the number of branches of banks has become less and less. When Insurance consulting and claims services are available when applications such as applications and policy changes are gradually applied online through online applications, how many large financial professionals really can only passively wait and be replaced? Financial technology is not terrible. The essence of financial technology is to return to human nature, to understand financial technology, to understand financial technology, and to use the high value of financial technology to improve the professional capabilities of insurance practitioners and the value of customer Service; this is the solution to this concern. The best way. Low value-added services and repetitive and simple work will surely be replaced by financial science and technology in the future. This is the trend of the development of financial technology now and in the future. Insurance practitioners cannot change. What can change is to allow More time and energy to focus on high added value, closeness to humanity, warmth, and emotional connection. What the insurance practitioners have to do is to understand the concepts, recognize the trends in the development of financial science and technology now and in the future , level embrace changes, and actively learn to enhance their capabilities, and have the ability to use various financial technology products and technologies in the future. This dissertation research provided freedom insurance practitioners with the means and advice to learn and change in the face of the threat posed by the development of financial science and technology, so that the crisis is the turning point for successful transformation.